Low cost bank payments

Give customers the option to pay invoices right from their bank account for only 1% per transaction.

A customer bank payment received within 1 day

How accepting bank payments online works

Simple invoice icon

1. Send your invoices

Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option.

Payment icon

2. Get paid online

Customers can pay instantly by secure bank payment when they view the invoice online.

Money deposit icon

3. Money is deposited

You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1.

Priced right for small businesses

Invoicing, accounting, and expense tracking are included, 100% free.

Bank payments
per transaction ($1.00 minimum fee)
  • Get paid out in 1-7 business days1
  • Customers pay right from their account

Even more ways to get paid: Credit card

Customers can pay by any major credit card, right from the invoices you send them.

Learn more about credit card payments
Illustration of hand emerging from computer screen with money

Speed up your cash flow with Payments.

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See all Payments features

  • Online payments at an amazing low rate
  • No hidden fees
  • Customers pay directly from their bank account
  • Perfect for when card payments aren't the right option
  • Get paid within in 1-7 business days1
  • Bank-grade security for all online payments
  • Automate your bookkeeping: your payments connect seamlessly with your accounting records, to keep you organized

1 Payouts are processed in 1-2 business days for credit card payments and 1-7 business days for bank payments. Deposit times may vary due to processing cutoff times, third party delays, or risk reviews. 

​​A few notes about accepting online payments through Wave: 

Approval is subject to eligibility criteria, including identity verification and credit review. Payments are a pay-per-use feature; no monthly fees here! Your deposit times may vary based on your financial institution. All payments are subject to a risk review and periodic credit risk assessments are done on business owners because we need to cover our butts (and yours). In some cases, we may hold funds and request more information if we need it for the protection of your business and Wave's. 

Instant Payout is an additional service offered by Wave subject to user and payment eligibility criteria. A 1% fee is applied to the amount you withdraw from your available balance, in addition to regular processing fees. The minimum withdrawal amount is $25. Deposits are sent to the debit card linked to your account in up to 30 minutes. Deposit times may vary due to processing cutoff times or third party delays.

Frequently Asked Questions

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